Too scared to check balance

teaandcupcakesplease

Hi all

ive spent waaaayyyy to much this month and i am too scared to check my Credit card.... anyone else avoid this, I am aware that i am creating even more anxiety by not facing up to it!!!
xx

BlueJ94

Hi Tea,

No, I don't avoid checking. As if I do it gives me a false sense of hope. Which isn't great for health or my DFW journey. I agree, I sometimes dislike looking but I have to face up to the music and just deal with it. I can't and won't continue to live on spending money that isn't technically mine. 

Personally, I think you should check. Then question, did you need to spend the money? Could you live without whatever it was you bought? I try and use a rule if I want something, I let myself think about if I need it that day or if I can wait until I can budget for it.

Good Luck! 

teaandcupcakesplease

Thanks your soooo right. perhaps ill have a tea first then look! 

Im following your diary - your doing amazing btw xxx

EssexHebridean

Cup of tea, then it's time to pull up the big-girl pants and look. 

Then, next time you're considering spending money on something you don't actually need, remember how grim you feel right now - do you REALLY want that to happen again? 

teaandcupcakesplease

YES you are sooo right!! i hate this feeling, the sick dreaded pit of the stomach feeling.....

RelievedSheff

Time to face up to it. You spent it you have to pay it back now.

BlueJ94

teaandcupcakesplease said:

Thanks your soooo right. perhaps ill have a tea first then look! 

Im following your diary - your doing amazing btw xxx

Thank you! Do you have a Diary thread started? If so people can cheer you along! 

Naomim

This has been my tactic previously.  Now look at my signature.  Do you want to be there? Probably not.

Have a look at the statement,  see what you have bought.  Is there anything you can return? Every little helps!

Naomim 

sammyjammy

teaandcupcakesplease said:

Hi all

ive spent waaaayyyy to much this month and i am too scared to check my Credit card.... anyone else avoid this, I am aware that i am creating even more anxiety by not facing up to it!!!
xx

I find ot quite worrying that its been only a month, you know you've overspent but you're scared to look at the balance.  Is that because you have no clue what you've spent and/what the balance is?

You clearly spend some time on these boards maybe its time to post an SOA?

MalMonroe

Oh yes, I used to be like that and then I found myself in such debt that I had to have a DRO and although I consider that it saved my life (it really did) - it was a bit of a struggle for a few years. You don't want to go down that road.

What to do next is face reality. Start to write everything down (that is something I totally avoided in the past). Incomings, outgoings - everything (a SOA - Statement of Account that sammyjammy, above, has asked about). That way you will find out what you can afford to spend and what you can't.

Are you paying something off every month? Even if it's just the minimum payment for now? As Naomim says, is there anything you can return?

I'd also cut up that credit card. Then start paying it off. Don't be like me, I was never all that serious about my debt, stuck my head in the sand - and it came to bite me hard in the you-know-where. I learned lessons the hard way but now I do know how to budget and I check all statements regularly. Especially bank statements, as I have the app on my phone and there's no avoiding it, like I used to do before. You have to teach yourself that you don't need all the extra things you thought you did. 

First step though, take a deep breath and look! Also, good luck! 

teaandcupcakesplease

sammyjammy said:

teaandcupcakesplease said:

Hi all

ive spent waaaayyyy to much this month and i am too scared to check my Credit card.... anyone else avoid this, I am aware that i am creating even more anxiety by not facing up to it!!!
xx

I find ot quite worrying that its been only a month, you know you've overspent but you're scared to look at the balance.  Is that because you have no clue what you've spent and/what the balance is?

You clearly spend some time on these boards maybe its time to post an SOA?

Im not sure i get you? what do you mean its only been a month? why are worried? your right i do spend time on the boards, this helps me a great deal reading others stories and good news outcomes but no i dont want to do a SOA- thanks